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Post discharge & Bank accounts/credit question
Hi, Was Automatically discharged at the end of September 2008. Have a current account with debit card and cheque book with Natwest. Have a Vaquis card for pure CRF improvement. I wanted to have a small overdraft facility, to cover those end of month moments when you need to dip into it, but was told under no circumstances…
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business accounts to give to the OR, HELP NEEDED
Hi guys, Does anyone know what the OR needs to see re my business accounts as I only started self employment 4 months ago and havn't really got anything down on paper. I know all the income and outgoings, I just havn't sorted it out yet and we are off tomorrow to go BR............:confused: Any help would be really useful…
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Online forms - doh!!
Morning everyone, This is very possibly a daft question but humour me..... Are the 6.27 and 6.28 forms together on the Insolvency Service website? I have tried clicking on them seperately and it keeps taking me to my SOA. Is the petition attached to the beginning or end of the SOA and I have missed it? Definitely Monday…
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Partner going bankrupt - advice needed please!
Hi All, I am looking for some advice and it seems like this is the place to come! My boyfriend has around £40k of debt and is planning to go bankrupt. His debts are from before I met him but as far as I can gather, he has been avoiding them for the last year or so but they've finally caught up with him. My first question…
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OR interview, what should I expect?
My interview is at 2pm today. My OR has told me that it will take between half to one and a half hours over the phone. I cannot think how it would even last hlaf an hour, so I am very nervous.. Also, I am on nights so should be trying to get some sleep, before it, but, guess what, I can't! The OR also sounds very young,…
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Bankruptcy Help Needed Please!
Hi Guys and Gals Im not really a poster on these boards just usually a reader, but the time has now come to get posting..ha. Right anyway, myself and my partner have spiraling debts which have now nearly drowned us. We took advice from a lady who works in a credit union who seemed to know what she was talking about I took…
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SOA help please??!!
Happy New Year All, Can I get comments on my SOA please I am essentially looking for ways to diminish the risk of an IPA/IPO or at least keep it to a minimum as I am making every effort to repay friends and family from any surplus. My current income has come into effect from Dec and has increased by £1k per month. I would…
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Beneficial Interest
Just a quick question. We have had notice from OR that I can buy my OH benefical interest in our house. He is bankcrupt, Im not. Now I don't really get it. We are in negative equaty and have had an estate agent out to value the house plus the amounts owing from our mortgage and secured loan. I know I have to pay OR £288…
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Credit Card
Hi all. Not been on the forum for a while as have moved and had the usual loss of internet probs... Hope everyone is ok and had a good xmas & new year! Just wondered if anyone had any knowledge re the following situation... Made BR in Nov & have over xmas thought about going abroad to do some voluntary work looking after…
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Car query
Hi Guys, Myself and my wife going br next week, my wife owns her car, looked on the internet seems to be worth about 4k, renault megane. However she does need this for work, any suggestions or ideas please.........:eek:
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PM's
The bar at the top where it says private messages unread says 1 but when I go to my messages it isn't showing any messages unread. Any one got any ideas what is wrong? Hmm! wonder whether I should do a restart? :confused:
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Can anyone help re forms for BR?
Hi guys, My OH has his first court date on Tuesday 6th at 1.30 and I am just trying to sort out the paperwork in readiness. The CAB completed the forms for us and photocopied it in triplicate to save filling them in 3 times lol! I just wondered if you could help me out with the following: 1. Does my OH need to sign the…
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New Bank Account Query
Hi all and HAPPY NEW YEAR . Mrs cider has managed to open a new basic account do we need to tell the OR of this account ( we are not yet discharged ) or will he not be interested . It is only to get our benefits paid into and to pay our LL by standing order . Many thanks and i hope 2009 is a better year for all of us .
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My SOA please take a look and your input greatly recieved
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 0 Partners monthly income after tax....... 0…
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Br in the morning can u check my soa final edit thanks
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 3 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 922 Partners monthly income after tax....... 0…
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Can someone walk me through declaring myself bankrupt?
After much consideration and talking it through with the OH, plus all the advice and questions answered last night on this forum. I have decided to start the wheels in motion to declaring myself bankrupt. Ok so heres what i know, i have started filling in the forms online and they seem not too complicated but very long. I…
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BR or IVA help
Hey everyone, originally posted on the debt free wannabe, but the amount of post that go on there are crazy, IVA or BR Hey, Just after a bit of advice, I am currently on a DMP through payplan, have been since feb 08, although the DMP is a good idea I don't think it has really done me any good as in not stopped interest on…
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Trying to move on......
Hi all, Before you all pile into this as it may seem somewhat controversial, please try and go easy on me as I'm struggling to cope as it is. So here goes..... This is my situation, I'm trying to find a way out for me and my partner and this is only one possible answer, we are exploring all sorts of avenues right now. This…
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My child inheritance?
Hi everyone. Me & OH are going BR on Jan 14th. A quick thanks to everyones help on here. Invaluable! I am after advice on our Daughters inheritance. She was left some money about 5 years ago, which went straight into an account for her. The problem is my OH is a trustee of the account. I was told by the CCCS that it would…
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Big Day
Hi All, big day tm, wish me luck. I thank you all for your help and advice and especially for making me feel I am not alone! Cheers:beer: I will let you know how it all went. x
